Role & responsibilities
ORM Framework
Administer and utilize specialized ORM tools to automate risk tracking, control testing, and reporting
Collect and analyze internal/external operational loss data to identify root causes and prevent recurrence.
Perform scenario analysis to assess the impact of low-frequency, high-severity events on lending operations.
Third-Party Risk Management (TPRM)
Evaluate the operational resilience of third-party partners (Sourcing agents, Tech providers, Recovery agents).
Assess risks associated with outsourcing arrangements, ensuring compliance with regulatory guidelines and internal risk appetite.
Conduct periodic reviews of vendor performance and control settings to mitigate concentration and systemic risks.
Branch Risk Review & Field Audits




Conduct periodic risk reviews of physical branches to ensure adherence to standard operating procedures (SOPs) for sourcing and collections.
Validate the physical and digital security of loan documentation and sensitive customer data at the branch level.
Identify localized risk trends and work with Branch Managers to implement corrective action plans.
RCSA & KRI Monitoring
Execute the RCSA process for sourcing, credit assessment, and disbursement, tailor methodologies for SME and Retail products.
Define and monitor KRIs (e.g., First Payment Defaults, documentation exceptions, turnover in critical roles).
Translate complex risk data into actionable insights for senior management via dashboards.

📌 Operational Risk Analyst Mumbai
🏢 Incred
📍 Mumbai